It took an act of Congress, with its new credit card legislation, but consumers are finally starting to see some restrictions and limits on fees and interest rates. The bad news? That's forcing banks to cut costs, and rewards, which cost companies over $15 billion in 2009, up 28 percent from 2007, are among the first places they're scaling back. "Banks can't afford to give rewards away anymore," says industry consultant Robert Hammer. Here's how to squeeze the most from your plastic.
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